Reference

Terms That Cover Your Account at top1to

Before you open an account or make a deposit via DANA, OVO, or GoPay, read these terms — they set out what you agree to and what we commit to in return.

Applies to all account holdersCovers DANA, OVO, GoPay transactionsSubject to Indonesia-region eligibilityUpdated when policy changesGoverns lobby and wallet use
top1to Terms That Cover Your Account at top1to
HOW WE HANDLE THIS

How top1to Manages Policy Commitments

We apply these terms consistently across all accounts and communicate any material changes before they take effect. Your account data, wallet links, and transaction records are handled with standard security practices including SSL encryption and two-step login verification.

Account Security

Your account is protected by SSL encryption and OTP verification on login. We do not share your registered wallet details — DANA, OVO, or GoPay — with third parties.

Data Retention

We keep transaction and account records for as long as required by applicable rules in your region. You can request a summary of your account activity through support.

Change Notification

When these terms change, we notify you through your registered email or an in-account banner before the update takes effect. Continued login constitutes acceptance.

Dispute Process

If you believe a term has been applied incorrectly to your account — including a wallet hold or withdrawal block — contact support with your account ID and transaction reference.

POLICY CONTACT

Reach Us About These Terms

Team online

Live Chat

Open the chat widget from your account dashboard to ask about any clause, wallet restriction, or account condition. Our team responds during active support hours.

Email Support

Send a detailed message to our support address for written clarification on terms, account suspensions, or withdrawal holds tied to these conditions.

Account Help Centre

Check the Help section inside your account for common terms queries — covering wallet rules, identity checks, and what happens when a condition is flagged.

Common Questions About Our Terms

If something in the terms is unclear, these answers cover the questions we hear most. For anything not listed here, reach out through live chat or email with your account details ready.

Yes. All transactions through DANA, OVO, and GoPay are covered by these terms. Deposits are linked to your registered account and cannot be redirected to another wallet or person.

No. Deposits must come from a wallet registered in your own name. Using another person's GoPay, DANA, or OVO account breaches these terms and may result in account suspension.

We notify you by email or in-account message before changes take effect. If you continue using your account after that date, you accept the updated version of the terms.

Contact our support team through live chat or email with your account ID. We will provide a summary of your registered data and transaction history as permitted under applicable rules.

Reach out to support with your account ID and the relevant transaction reference. We review each dispute and respond with a written explanation of how the condition was applied.

Yes. Access to top1to and the application of certain terms depend on local law in your region. Where local regulation overrides a clause, that regulation takes effect.
Reference

Terms & Conditions

Service availability depends on eligible regions and local law. Users should check local rules before opening an account.

Access may be available only where local law permits.